CEFIMA is a debt collection agency in Waregem. Public Limited, started on 22 December 1994, 1 establishment.

What is the address of CEFIMA?

The registered office of CEFIMA is located at Mannebeekstraat 33, 8790 Waregem.

Is CEFIMA still active?

Yes. According to the CBE (29 October 2026) CEFIMA is active, legal situation “Normale toestand”, started on 22 December 1994.

Is CEFIMA registered on Peppol?

Yes, CEFIMA is registered on the Peppol network with ID 0208:0454123217.

What is the enterprise number of CEFIMA?

The enterprise number of CEFIMA is BE0454123217.

When was CEFIMA founded?

CEFIMA was founded on 22 December 1994.

Who are the directors of CEFIMA?

According to the 2025 annual accounts, the directors of CEFIMA are: BERCOFIN NV, ManaMax BV, Valérie De Clerck, STEENHOUT NV.

Is CEFIMA a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 22 December 1994; 5 annual accounts filed, latest fiscal year 2025; 4 directors known from the annual account.

How much profit did CEFIMA make in 2025?

CEFIMA recorded a loss after taxes of € 170,873 in financial year 2025.

What is the revenue of CEFIMA?

As a small company, CEFIMA is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € -44,186.

How many employees does CEFIMA have?

According to the 2025 annual accounts, CEFIMA has 0 full-time equivalents (FTE).

CEFIMA (Public Limited) - Waregem - BE0454123217

Dossier CEFIMA, printed on 29 October 2026 from databakkes.be/en/0454123217/cefima. Sources: CBE, National Bank of Belgium, Belgian Official Gazette.

Warning lights

Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.

Tight liquidity NBB

Cash and receivables cover 35 % of short-term debt in 2025; threshold 65 %.

Financials

Financial year 2025

CEFIMA from Waregem, company number BE0454123217, closed financial year 2025 with a result of € -170,873 after tax. For that financial year CEFIMA recorded a gross margin of € -44,186 and equity of € 2.8 million. Compared with financial year 2024, the result moved from € 94,446 to € -170,873. The company made a loss. The company holds a healthy buffer. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on August 27, 2026.

What it is worth Healthy

€ 2.8 million

▼ 6% vs 2024

Assets minus debts, by the books. What is left if everything were sold and paid today.

Loss Caution

€ -170,873

▼ still € 94,446 profit in 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 34,498

▼ 83% vs 2024

Cash and bank balances on the last day of the fiscal year.

Where the profit goes Caution

Loss, nothing to pay out

Reserves fell to € 2.1 million.

People and assets in 2025

Full-time equivalents

Average over the fiscal year, from the social balance sheet.

Vehicles and equipment

€ 55,746

▼ 39% vs 2024

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt

€ 60,000

▼ 67% vs 2024

Loans from banks and other lenders, long and short.

Owed to suppliers

€ 114,954

▲ € 105,662 vs 2024

Supplier invoices still open on the last day of the fiscal year.

Taxes

€ 535

Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.

Key figures per fiscal year Download key figures (CSV)
	2022	2023	2024	2025	Change 2024 → 2025
Gross margin	€ 223,641 Gross margin 2022: € 223,641 First fiscal year in the series	€ 212,529 Gross margin 2023: € 212,529 ▼ 5% vs 2022 (€ 223,641) Unfavourable step	€ 231,865 Gross margin 2024: € 231,865 ▲ 9% vs 2023 (€ 212,529) Favourable step	€ -44,186 Gross margin 2025: € -44,186 ▼ € 276,051 vs 2024 (€ 231,865) Unfavourable step	▼ € 276,051
Profit after taxes	€ 93,107 Profit after taxes 2022: € 93,107 First fiscal year in the series	€ 61,855 Profit after taxes 2023: € 61,855 ▼ 34% vs 2022 (€ 93,107) Unfavourable step	€ 94,446 Profit after taxes 2024: € 94,446 ▲ 53% vs 2023 (€ 61,855) Favourable step	€ -170,873 Profit after taxes 2025: € -170,873 ▼ € 265,318 vs 2024 (€ 94,446) Unfavourable step	▼ € 265,318
Equity	€ 2,957,578 Equity 2022: € 2,957,578 First fiscal year in the series	€ 2,969,434 Equity 2023: € 2,969,434 Unchanged (€ 2,957,578) Favourable step	€ 2,973,879 Equity 2024: € 2,973,879 Unchanged (€ 2,969,434) Favourable step	€ 2,803,006 Equity 2025: € 2,803,006 ▼ 6% vs 2024 (€ 2,973,879) Unfavourable step	▼ 6%
Total debts	€ 1,043,712 Total debts 2022: € 1,043,712 First fiscal year in the series	€ 837,344 Total debts 2023: € 837,344 ▼ 20% vs 2022 (€ 1,043,712) Favourable step	€ 783,548 Total debts 2024: € 783,548 ▼ 6% vs 2023 (€ 837,344) Favourable step	€ 665,459 Total debts 2025: € 665,459 ▼ 15% vs 2024 (€ 783,548) Favourable step	▼ 15%
Cash	€ 294,866 Cash 2022: € 294,866 First fiscal year in the series	€ 108,901 Cash 2023: € 108,901 ▼ 63% vs 2022 (€ 294,866) Unfavourable step	€ 207,605 Cash 2024: € 207,605 ▲ 91% vs 2023 (€ 108,901) Favourable step	€ 34,498 Cash 2025: € 34,498 ▼ 83% vs 2024 (€ 207,605) Unfavourable step	▼ 83%
Land & buildings	€ 3,037,971 Land & buildings 2022: € 3,037,971 First fiscal year in the series	€ 3,017,307 Land & buildings 2023: € 3,017,307 ▼ 1% vs 2022 (€ 3,037,971) Unchanged	€ 2,769,473 Land & buildings 2024: € 2,769,473 ▼ 8% vs 2023 (€ 3,017,307) Unchanged	€ 2,708,942 Land & buildings 2025: € 2,708,942 ▼ 2% vs 2024 (€ 2,769,473) Unchanged	▼ 2%
Retained profit	€ 2,207,578 Retained profit 2022: € 2,207,578 First fiscal year in the series	€ 2,219,434 Retained profit 2023: € 2,219,434 ▲ 1% vs 2022 (€ 2,207,578) Favourable step	€ 2,223,879 Retained profit 2024: € 2,223,879 Unchanged (€ 2,219,434) Favourable step	€ 2,053,006 Retained profit 2025: € 2,053,006 ▼ 8% vs 2024 (€ 2,223,879) Unfavourable step	▼ 8%
Dividend	€ 80,000 Dividend 2022: € 80,000 First fiscal year in the series	€ 50,000 Dividend 2023: € 50,000 ▼ 37% vs 2022 (€ 80,000) Unchanged	€ 90,000 Dividend 2024: € 90,000 ▲ 80% vs 2023 (€ 50,000) Unchanged	€ 0 Dividend 2025: € 0 ▼ 100% vs 2024 (€ 90,000) Unchanged	▼ 100%
Bank debt	€ 420,000 Bank debt 2022: € 420,000 First fiscal year in the series	€ 300,000 Bank debt 2023: € 300,000 ▼ 29% vs 2022 (€ 420,000) Favourable step	€ 180,000 Bank debt 2024: € 180,000 ▼ 40% vs 2023 (€ 300,000) Favourable step	€ 60,000 Bank debt 2025: € 60,000 ▼ 67% vs 2024 (€ 180,000) Favourable step	▼ 67%
Balance sheet total	€ 4,001,290 Balance sheet total 2022: € 4,001,290 First fiscal year in the series	€ 3,806,777 Balance sheet total 2023: € 3,806,777 ▼ 5% vs 2022 (€ 4,001,290) Unchanged	€ 3,757,427 Balance sheet total 2024: € 3,757,427 ▼ 1% vs 2023 (€ 3,806,777) Unchanged	€ 3,468,465 Balance sheet total 2025: € 3,468,465 ▼ 8% vs 2024 (€ 3,757,427) Unchanged	▼ 8%

Key figures of CEFIMA, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.

What happened to CEFIMA?

What happened at CEFIMA in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:

2027 ManaMax BV stepped down as director. NBB
2027 Valérie De Clerck stepped down as director. NBB
2027 STEENHOUT NV stepped down as director. NBB
2027 BERCOFIN NV stepped down as director. NBB
Aug 27, 2026 New annual accounts for financial year 2025: loss of € 170,873 (▼ € 265,318 vs 2024). filed late Source: NBB ↗
2019 ManaMax BV became a director. NBB
2019 Valérie De Clerck became a director. NBB
2018 BERCOFIN NV became a director. NBB

In short

From € 93,107 profit in 2022 to € 170,873 loss in 2025.

Paid € 25,131 in corporate taxes since 2022.

Best year ever: 2024, with € 94,446 profit.

Paid out € 220,000 in dividends to the owners in total.

Original PDFs at the National Bank ↗

Management

REINVEST II 100%

BERCOFIN 100%

The stake of REINVEST II, BERCOFIN comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.

CEFIMA

The shares are held by REINVEST II (100%) and BERCOFIN (100%).

Directors

According to the 2025 annual accounts

BERCOFIN NV

Managing director · represented by Véronique Santens

since 2018 · until 2027

ManaMax BV

Director · represented by Maxime De Clerck

Also active at: TER LEMBEEK INTERNATIONAL, Beaulieu Real Estate, BURCHTDAM, IMMOWILLCO, BERCOFIN, AMPLA HOUSE PROPERTIES, MAHY, Lease Estate +2 more

since 2019 · until 2027

Valérie De Clerck

Director

Also active at: BERCOFIN, CHEZVAL

since 2019 · until 2027

STEENHOUT NV

Chairman of the board · represented by Dominiek De Clerck

Also active at: TER LEMBEEK INTERNATIONAL, IMMOWILLCO, BEAULIEU INTERNATIONAL GROUP, B.I.G COORDINATION CENTER, BERCOFIN, The Waterfront Collection

since 2015 · until 2027

Shareholders

REINVEST II

100%

BERCOFIN

100%

Participations

No participations in other companies reported.

Establishments

Establishment units

Physical locations of this company

Registered office

Mannebeekstraat 33

8790 Waregem

Who else lives here?

A building full of entrepreneurs or one very busy letterbox? Another 4 companies are registered at this address.

All companies at this address →

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€ 2.4 million revenue · 2024

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€ 99,796 gross margin · 2025

ARSEUS LAB

€ 10.2 million revenue · 2024

What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.

Details

Company number

0454.123.217

VAT number

BE 0454.123.217

Registered office

Mannebeekstraat 33, 8790 Waregem

Names & denominations

CEFIMA

Enterprise type

Rechtspersoon

Legal form

Public limited company

Legal situation

Normale toestand

Start date

22 December 1994

Peppol

Active · Active since 22 Dec 2025

Activities · NACE

Activiteiten van incasso- en kredietbureaus

Incassobureaus en onderzoek naar de kredietwaardigheid

View on CBE Public ↗ Annual accounts (NBB) ↗

CEFIMA

Warning lights

Financials

What happened to CEFIMA?

Management

Directors

Shareholders

Participations

Establishments

Establishment units

Who else lives here?

Details

Frequently asked questions